Alliance Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 18.45 percentage points higher than in Q1 2026, at 108.22%. Alliance Bank ranks 267th of 345 Texas banks on return on assets, in the lower half at 0.99% (Q2 2026). Alliance Bank reported 0.99% on return on assets for Q2 2026, 0.28 points below the 1.27% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.59% |
| Tier 1 risk-based capital ratio | 15.59% |
| Total risk-based capital ratio | 16.72% |
| Tier 1 leverage ratio | 10.42% |
| Equity capital to assets | 9.24% |
| Tangible equity to tangible assets | 7.97% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.09% |
| Non-performing assets ratio | 0.77% |
| Net charge-off ratio | -0.15% |
| Texas ratio | 5.23% |
| Allowance for credit losses to loans | 1.18% |
| Reserve coverage of non-performing loans | 108.22% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.99% |
| Return on equity | 10.81% |
| Net interest margin | 3.73% |
| Efficiency ratio | 78.41% |
| Yield on earning assets | 5.16% |
| Cost of funds | 1.45% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.71% |
| Core deposits to total deposits | 95.63% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.59% |
| Securities to assets | 22.19% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.87% | 13.87% | 14.50% | 9.68% | 0.31% |
| Q4 2023 | 13.61% | 13.61% | 14.39% | 9.63% | 0.46% |
| Q1 2024 | 13.61% | 13.61% | 14.53% | 9.67% | 0.05% |
| Q2 2024 | 13.92% | 13.92% | 14.72% | 9.85% | 0.71% |
| Q3 2024 | 14.47% | 14.47% | 15.35% | 9.90% | 0.74% |
| Q4 2024 | 14.83% | 14.83% | 15.78% | 10.00% | 0.88% |
| Q1 2025 | 15.02% | 15.02% | 16.09% | 9.80% | 0.51% |
| Q2 2025 | 15.33% | 15.33% | 16.34% | 9.92% | 0.10% |
| Q3 2025 | 15.41% | 15.41% | 16.47% | 10.33% | 0.92% |
| Q4 2025 | 15.44% | 15.44% | 16.55% | 10.41% | 1.12% |
| Q1 2026 | 15.82% | 15.82% | 16.97% | 10.35% | 1.26% |
| Q2 2026 | 15.59% | 15.59% | 16.72% | 10.42% | 0.99% |
Alliance Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Alliance Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Alliance Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11569) · FFIEC NIC profile (RSSD 176464)